Transaction Services

Buying a business
is risky. The books
shouldn't be.

DZ Advisory Services brings AI-native financial diligence to SMB acquisitions — quality of earnings, bookkeeping cleanup, and CFO-level advisory for buyers who need the numbers to be right.

50,000+
Transactions reconciled
274
AI tools in the engine
CPA-Led
Every engagement
AI QoE Agent
Runs diligence autonomously
Works with
Plaid Stripe Gusto Ramp QuickBooks Xero Square
Who We Are

Built by operators.
Powered by AI.

DZ Advisory Services was built for acquisition entrepreneurs, search fund operators, and PE-backed buyers who need airtight financials before — and after — close.

Our team brings deep backgrounds in CPA-led M&A advisory and SMB operations, paired with an in-house technology team that builds the AI infrastructure powering every engagement — so we see deeper than any traditional firm.

Whether you're pre-LOI or 90 days post-close untangling messy books, we run the financial playbook so you can focus on running the business.

Pre-LOI Post-LOI Post-Acquisition eCommerce Traditional SMB SaaS CPG / Inventory
AI-Native General Ledger
Double-entry bookkeeping engine with AI-powered categorization — not a bolt-on, it's the foundation.
CPA-Led Experts + In-House Tech Team
CPAs and finance experts working alongside our own engineering team — the same crew building the AI that runs your diligence.
CPA-Grade Rigor
Every engagement reviewed by experienced CPAs — GAAP-aligned, auditable, and defensible to lenders and investors.
Ongoing CFO Continuity
Fractional CFO and bookkeeping available post-close to keep the books clean.
Our Differentiator

We rebuild the books
from source transactions — in hours.

Traditional QoE firms review whatever books the seller hands over. We don't. Plug in the raw data feeds and our AI engine reconstructs the entire financial picture from the ground up — independent of the seller's ledger, before a CPA even logs in.

12,000+
Financial institutions via Plaid
Direct transaction-level access to nearly every bank in the US, Canada, UK, and EU. No more waiting on statement PDFs or CSV exports.
T+0
Ledger reconstruction starts day one
The moment a connection is live, our engine begins rebuilding a full double-entry general ledger from raw bank, card, and Stripe activity — categorized and reconciled.
3
Financial statements, auto-generated
P&L, balance sheet, and cash flow statement rebuilt from source-of-truth transactions. GAAP-aligned, auditable, and ready for analyst review.
// Source feeds → Ledger → Statements. No seller dependency.
How It Works

Efficient process.
Flawlessly executed.

Four steps from kick-off to confident close — with AI doing the heavy lifting throughout.

01
Intake & Data Room
Connect your bank, Stripe, or upload raw financials. We ingest everything directly — no back-and-forth on document requests.
02
AI-Powered Reconstruction
Our engine rebuilds the P&L from source transactions, surfaces add-backs, and flags discrepancies automatically.
03
CPA Review & Narrative
A CPA reviews every line item, writes variance explanations, and structures the final deliverable.
04
Deliverable & Advisory
You receive a clean report with actionable recommendations. We stay on through close to answer questions.
Due Diligence Framework

Five lenses. Nothing missed.

SMB acquisitions fail because buyers don't know what they don't know. We break diligence into five disciplined components.

01 / 05
Financial
P&L reconstruction, EBITDA normalization, add-back analysis, revenue quality.
02 / 05
Operational
Owner dependency, team structure, process documentation, vendor concentration.
03 / 05
Strategic
Market position, competitive moat, growth levers, risk-adjusted projections.
04 / 05
Market
TAM, channel trends, customer concentration, demand sustainability.
05 / 05
Technical
Tech stack health, traffic quality, integrations, systems scalability.
Our Services

The right tool for
every stage of the deal.

FAQ

Common questions,
honest answers.

What makes DZ Advisory Services different from a traditional QoE firm?
+
Traditional QoE firms review whatever books the seller hands over. We rebuild the books from source transactions — ingesting raw data directly from the bank, Stripe, and payroll to reconstruct a full double-entry general ledger before a CPA even logs in. It's a fundamentally different approach: verify from the ground up rather than trust what's handed over.
What types of businesses do you cover?
+
We cover traditional SMBs, ecommerce / DTC brands, SaaS, content businesses, FBA sellers, and CPG / inventory businesses. If it has financial statements and a data room, we can analyze it.
How long does a typical engagement take?
+
Timelines vary with deal complexity and data availability. We scope the timeline at kick-off based on the specifics of your deal so you can plan your schedule accordingly.
What do you need from me to get started?
+
Typically: 2–3 years of P&L and balance sheet (or access to QuickBooks / Xero), bank statements, Stripe data if applicable, and the CIM or seller's financial summary. We provide a detailed intake checklist and can work with incomplete data — we'll tell you what's missing and what it means for our conclusions.
Do you offer ongoing support after close?
+
Yes. We offer fractional CFO services, ongoing bookkeeping, and monthly close packages designed for post-acquisition operators. Many clients transition directly from transaction services to ongoing finance support so no institutional knowledge is lost at close.
Is there an NDA / data privacy policy?
+
We execute a mutual NDA before any data is shared. All financial data is encrypted at rest and in transit, stored in SOC 2-compliant infrastructure, and never used for any purpose outside your engagement.
Get Started

Ready to see the real
numbers behind the deal?

Tell us about your deal. We'll review your inquiry and get back to you with next steps.